Overview

• German retail customers can now buy, sell and hold Bitcoin, Ether, Litecoin, Polygon and Cardano directly in Openbank accounts without using external exchanges.
• Trades carry a 1.49% fee per transaction with a €1 minimum, and the bank says it will not charge custody fees for holding digital assets.
• Openbank frames the launch as fully covered by the EU’s Markets in Crypto-Assets rules, integrating crypto alongside stocks, funds and ETFs on its platform.
• The bank cites customer demand and product diversification as drivers for the rollout, positioning itself among the first major European lenders with integrated retail crypto trading.
• Openbank plans to add more cryptocurrencies and introduce crypto-to-crypto conversions after the Spain launch, with broader European expansion indicated in company statements.